Q. I am 56, but only have six years of government service time. Even though I’ve worked for a U.S. government agency for 31 years, only my time with government service counts toward retirement. Would I be allowed to leave the government before my minimum retirement age and take a deferred annuity at age 62? If this is possible, would I be able to keep my medical coverage?
A. Yes, you could leave government and apply for a deferred annuity at age 62. However, you wouldn’t be able to re-enroll in the FEHB Program. No one who retires on a deferred annuity can do that.